Home > College Savings Bank > Performance and Condition Ratios
College Savings Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3095% | 6,230 |
| Cost of funding earning assets | 1.0954% | 104 |
| Net interest margin | 0.2140% | 6,264 |
| Noninterest income to average assets | 2.7343% | 238 |
| Noninterest expense to average assets | 1.4653% | 6,063 |
| Loan and lease loss provision to assets | -0.0261% | 5,864 |
| Net operating income to assets | 0.9568% | 2,688 |
| Return on assets (ROA) | 2.2105% | 267 |
| Pretax return on assets | 3.4632% | 93 |
| Return on Equity (ROE) | 19.1194% | 329 |
| Retained earnings to average equity (ytd only) | 19.1194% | 73 |
| Net charge-offs to loans | 0.0236% | 3,466 |
| Credit loss provision to net charge-offs | -405.2632% | 5,324 |
| Earnings coverage of net charge-offs (x) | 229.4982% | 313 |
| Efficiency ratio | 49.7812% | 5,790 |
| Assets per employee ($millions) | 18.7221% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 82.2723% | 4,077 |
| Equity capital to assets | 15.5839% | 633 |
| Core capital (leverage) ratio | 14.2447% | 799 |
| Tier 1 risk-based capital ratio | 1,123.6842% | 2 |
| Total risk-based capital ratio | 1,123.6842% | 2 |
| Memoranda: | ||
| Average total assets | $393,263,000 | 1,689 |
| Average earning assets | $384,373,000 | 1,601 |
| Average equity | $45,467,500 | 1,628 |
| Average total loans | $107,442,500 | 3,274 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7238% | 6,284 |
| Cost of funding earning assets | 1.0811% | 110 |
| Net interest margin | 0.6428% | 6,323 |
| Noninterest income to average assets | 3.7880% | 168 |
| Noninterest expense to average assets | 1.3329% | 6,205 |
| Loan and lease loss provision to assets | -0.0363% | 6,007 |
| Net operating income to assets | 1.9468% | 401 |
| Return on assets (ROA) | 3.6890% | 68 |
| Pretax return on assets | 5.8403% | 50 |
| Return on Equity (ROE) | 34.7516% | 41 |
| Retained earnings to average equity (ytd only) | 34.7516% | 23 |
| Net charge-offs to loans | 0.0265% | 3,147 |
| Credit loss provision to net charge-offs | -405.2632% | 5,171 |
| Earnings coverage of net charge-offs (x) | 344.2632% | 203 |
| Efficiency ratio | 30.1921% | 6,298 |
| Assets per employee ($millions) | 23.4066% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 84.6269% | 3,283 |
| Equity capital to assets | 12.8145% | 1,483 |
| Core capital (leverage) ratio | 11.8460% | 1,748 |
| Tier 1 risk-based capital ratio | 992.5742% | 2 |
| Total risk-based capital ratio | 992.5742% | 2 |
| Memoranda: | ||
| Average total assets | $424,499,670 | 1,585 |
| Average earning assets | $413,841,670 | 1,510 |
| Average equity | $45,062,670 | 1,655 |
| Average total loans | $143,256,670 | 2,712 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2992% | 6,286 |
| Cost of funding earning assets | 1.0513% | 134 |
| Net interest margin | 1.2478% | 6,372 |
| Noninterest income to average assets | 0.0925% | 6,115 |
| Noninterest expense to average assets | 1.2298% | 6,313 |
| Loan and lease loss provision to assets | 0.0169% | 3,502 |
| Net operating income to assets | 0.0365% | 5,971 |
| Return on assets (ROA) | 0.1308% | 5,888 |
| Pretax return on assets | 0.2002% | 5,825 |
| Return on Equity (ROE) | 1.3487% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.3487% | 4,946 |
| Net charge-offs to loans | 0.0168% | 2,833 |
| Credit loss provision to net charge-offs | 211.1111% | 1,020 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,041 |
| Efficiency ratio | 94.4634% | 574 |
| Assets per employee ($millions) | 27.3903% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0505% | 6,353 |
| Loan loss allowance to noncurrent loans | 0.4725% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 5.1186% | 237 |
| Noncurrent loans to loans | 10.6767% | 51 |
| Net loans and leases to total assets | 47.9175% | 5,042 |
| Net loans and leases to deposits | 62.3424% | 4,541 |
| Net loans and leases to core deposits | 77.8152% | 3,402 |
| Total domestic deposits to total assets | 76.8618% | 5,634 |
| Equity capital to assets | 10.0079% | 4,139 |
| Core capital (leverage) ratio | 9.0214% | 4,925 |
| Tier 1 risk-based capital ratio | 28.2913% | 637 |
| Total risk-based capital ratio | 28.3650% | 683 |
| Memoranda: | ||
| Average total assets | $449,496,500 | 1,522 |
| Average earning assets | $435,636,500 | 1,442 |
| Average equity | $43,598,500 | 1,708 |
| Average total loans | $214,885,000 | 1,978 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3318% | 6,370 |
| Cost of funding earning assets | 1.1037% | 129 |
| Net interest margin | 1.2282% | 6,450 |
| Noninterest income to average assets | 0.0862% | 6,203 |
| Noninterest expense to average assets | 1.2415% | 6,409 |
| Loan and lease loss provision to assets | 0.0101% | 4,422 |
| Net operating income to assets | 0.0158% | 6,071 |
| Return on assets (ROA) | 0.0158% | 6,092 |
| Pretax return on assets | 0.0261% | 6,065 |
| Return on Equity (ROE) | 0.1775% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.1775% | 5,697 |
| Net charge-offs to loans | 0.0180% | 4,493 |
| Credit loss provision to net charge-offs | 119.5122% | 2,014 |
| Earnings coverage of net charge-offs (x) | 4.2927% | 3,691 |
| Efficiency ratio | 97.1659% | 461 |
| Assets per employee ($millions) | 28.7999% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0473% | 6,442 |
| Loan loss allowance to noncurrent loans | 0.4010% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 5.6285% | 219 |
| Noncurrent loans to loans | 11.8069% | 47 |
| Net loans and leases to total assets | 47.6486% | 5,186 |
| Net loans and leases to deposits | 62.3023% | 4,702 |
| Net loans and leases to core deposits | 77.4487% | 3,571 |
| Total domestic deposits to total assets | 76.4797% | 5,667 |
| Equity capital to assets | 9.4056% | 4,834 |
| Core capital (leverage) ratio | 8.7164% | 5,330 |
| Tier 1 risk-based capital ratio | 26.2175% | 747 |
| Total risk-based capital ratio | 26.2854% | 824 |
| Memoranda: | ||
| Average total assets | $486,035,600 | 1,370 |
| Average earning assets | $471,520,800 | 1,299 |
| Average equity | $43,382,400 | 1,658 |
| Average total loans | $227,262,400 | 1,845 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3215% | 6,455 |
| Cost of funding earning assets | 1.1197% | 127 |
| Net interest margin | 1.2018% | 6,540 |
| Noninterest income to average assets | 0.0845% | 6,294 |
| Noninterest expense to average assets | 1.2398% | 6,474 |
| Loan and lease loss provision to assets | 0.0122% | 4,173 |
| Net operating income to assets | -0.0022% | 6,143 |
| Return on assets (ROA) | -0.0022% | 6,156 |
| Pretax return on assets | -0.0011% | 6,145 |
| Return on Equity (ROE) | -0.0246% | 6,156 |
| Retained earnings to average equity (ytd only) | -0.0246% | 5,797 |
| Net charge-offs to loans | 0.0215% | 4,088 |
| Credit loss provision to net charge-offs | 121.6216% | 1,897 |
| Earnings coverage of net charge-offs (x) | 1.1083% | 4,228 |
| Efficiency ratio | 99.1124% | 399 |
| Assets per employee ($millions) | 28.0469% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0458% | 6,526 |
| Loan loss allowance to noncurrent loans | 0.4305% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 5.1158% | 326 |
| Noncurrent loans to loans | 10.6487% | 67 |
| Net loans and leases to total assets | 48.0196% | 5,200 |
| Net loans and leases to deposits | 65.2426% | 4,410 |
| Net loans and leases to core deposits | 81.1642% | 3,185 |
| Total domestic deposits to total assets | 73.6016% | 6,046 |
| Equity capital to assets | 9.0537% | 5,299 |
| Core capital (leverage) ratio | 8.3673% | 5,788 |
| Tier 1 risk-based capital ratio | 25.3125% | 851 |
| Total risk-based capital ratio | 25.3791% | 959 |
| Memoranda: | ||
| Average total assets | $492,345,000 | 1,362 |
| Average earning assets | $477,838,750 | 1,293 |
| Average equity | $43,392,750 | 1,664 |
| Average total loans | $229,161,000 | 1,836 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3093% | 6,526 |
| Cost of funding earning assets | 1.1493% | 114 |
| Net interest margin | 1.1600% | 6,607 |
| Noninterest income to average assets | 0.0840% | 6,334 |
| Noninterest expense to average assets | 1.0914% | 6,577 |
| Loan and lease loss provision to assets | 0.0189% | 3,891 |
| Net operating income to assets | 0.0639% | 6,108 |
| Return on assets (ROA) | 0.0639% | 6,128 |
| Pretax return on assets | 0.0997% | 6,099 |
| Return on Equity (ROE) | 0.7316% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.7316% | 5,444 |
| Net charge-offs to loans | 0.0218% | 3,773 |
| Credit loss provision to net charge-offs | 188.0000% | 1,226 |
| Earnings coverage of net charge-offs (x) | 11.8000% | 2,117 |
| Efficiency ratio | 90.1993% | 900 |
| Assets per employee ($millions) | 29.4331% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0501% | 6,592 |
| Loan loss allowance to noncurrent loans | 0.6484% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 3.6681% | 618 |
| Noncurrent loans to loans | 7.7258% | 143 |
| Net loans and leases to total assets | 47.4553% | 5,221 |
| Net loans and leases to deposits | 61.0170% | 4,782 |
| Net loans and leases to core deposits | 73.9371% | 3,847 |
| Total domestic deposits to total assets | 77.7739% | 5,681 |
| Equity capital to assets | 8.7874% | 5,532 |
| Core capital (leverage) ratio | 7.9987% | 6,103 |
| Tier 1 risk-based capital ratio | 24.4483% | 937 |
| Total risk-based capital ratio | 24.5210% | 1,057 |
| Memoranda: | ||
| Average total assets | $497,527,670 | 1,348 |
| Average earning assets | $482,911,000 | 1,275 |
| Average equity | $43,467,670 | 1,648 |
| Average total loans | $229,194,330 | 1,829 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3193% | 6,595 |
| Cost of funding earning assets | 1.1489% | 124 |
| Net interest margin | 1.1705% | 6,684 |
| Noninterest income to average assets | 0.0887% | 6,369 |
| Noninterest expense to average assets | 1.1457% | 6,648 |
| Loan and lease loss provision to assets | 0.0137% | 3,650 |
| Net operating income to assets | 0.0403% | 6,147 |
| Return on assets (ROA) | 0.0403% | 6,166 |
| Pretax return on assets | 0.0645% | 6,132 |
| Return on Equity (ROE) | 0.4628% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.4628% | 5,396 |
| Net charge-offs to loans | 0.0196% | 3,196 |
| Credit loss provision to net charge-offs | 154.5455% | 1,234 |
| Earnings coverage of net charge-offs (x) | 8.8182% | 1,988 |
| Efficiency ratio | 93.6100% | 773 |
| Assets per employee ($millions) | 27.6567% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0442% | 6,666 |
| Loan loss allowance to noncurrent loans | 0.6462% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 3.1706% | 857 |
| Noncurrent loans to loans | 6.8442% | 232 |
| Net loans and leases to total assets | 46.3051% | 5,306 |
| Net loans and leases to deposits | 57.7358% | 4,971 |
| Net loans and leases to core deposits | 69.1646% | 4,185 |
| Total domestic deposits to total assets | 80.2017% | 5,450 |
| Equity capital to assets | 8.7556% | 5,389 |
| Core capital (leverage) ratio | 8.0120% | 6,109 |
| Tier 1 risk-based capital ratio | 24.2485% | 967 |
| Total risk-based capital ratio | 24.3105% | 1,126 |
| Memoranda: | ||
| Average total assets | $496,110,000 | 1,365 |
| Average earning assets | $481,175,000 | 1,286 |
| Average equity | $43,217,000 | 1,642 |
| Average total loans | $225,007,500 | 1,866 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5165% | 6,609 |
| Cost of funding earning assets | 1.1982% | 181 |
| Net interest margin | 1.3183% | 6,741 |
| Noninterest income to average assets | 0.0858% | 6,439 |
| Noninterest expense to average assets | 1.1607% | 6,724 |
| Loan and lease loss provision to assets | 0.0190% | 4,754 |
| Net operating income to assets | 0.1097% | 6,024 |
| Return on assets (ROA) | 0.1885% | 5,926 |
| Pretax return on assets | 0.2701% | 5,802 |
| Return on Equity (ROE) | 2.1020% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.1020% | 4,741 |
| Net charge-offs to loans | 0.0313% | 4,807 |
| Credit loss provision to net charge-offs | 138.2353% | 1,689 |
| Earnings coverage of net charge-offs (x) | 12.8235% | 2,091 |
| Efficiency ratio | 86.7979% | 1,336 |
| Assets per employee ($millions) | 21.4957% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0442% | 6,741 |
| Loan loss allowance to noncurrent loans | 0.6441% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 3.0459% | 1,028 |
| Noncurrent loans to loans | 6.8638% | 250 |
| Net loans and leases to total assets | 44.3568% | 5,645 |
| Net loans and leases to deposits | 54.7010% | 5,409 |
| Net loans and leases to core deposits | 65.0640% | 4,771 |
| Total domestic deposits to total assets | 81.0896% | 5,147 |
| Equity capital to assets | 8.6665% | 5,407 |
| Core capital (leverage) ratio | 8.0552% | 6,094 |
| Tier 1 risk-based capital ratio | 24.0182% | 954 |
| Total risk-based capital ratio | 24.0767% | 1,099 |
| Memoranda: | ||
| Average total assets | $493,937,600 | 1,346 |
| Average earning assets | $468,870,000 | 1,298 |
| Average equity | $44,290,600 | 1,584 |
| Average total loans | $217,162,200 | 1,885 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5613% | 6,676 |
| Cost of funding earning assets | 1.2061% | 194 |
| Net interest margin | 1.3551% | 6,821 |
| Noninterest income to average assets | 0.0832% | 6,533 |
| Noninterest expense to average assets | 1.1370% | 6,803 |
| Loan and lease loss provision to assets | 0.0157% | 4,700 |
| Net operating income to assets | 0.1472% | 6,042 |
| Return on assets (ROA) | 0.2538% | 5,866 |
| Pretax return on assets | 0.3599% | 5,719 |
| Return on Equity (ROE) | 2.8068% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.8068% | 4,640 |
| Net charge-offs to loans | 0.0363% | 4,418 |
| Credit loss provision to net charge-offs | 98.3051% | 2,427 |
| Earnings coverage of net charge-offs (x) | 14.1534% | 1,965 |
| Efficiency ratio | 83.4522% | 1,662 |
| Assets per employee ($millions) | 20.8113% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0318% | 6,825 |
| Loan loss allowance to noncurrent loans | 0.4981% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 3.0694% | 1,202 |
| Noncurrent loans to loans | 6.3927% | 364 |
| Net loans and leases to total assets | 47.9980% | 5,346 |
| Net loans and leases to deposits | 57.0095% | 5,277 |
| Net loans and leases to core deposits | 65.3513% | 4,770 |
| Total domestic deposits to total assets | 84.1930% | 4,113 |
| Equity capital to assets | 9.5846% | 4,443 |
| Core capital (leverage) ratio | 8.6931% | 5,546 |
| Tier 1 risk-based capital ratio | 24.6625% | 919 |
| Total risk-based capital ratio | 24.7059% | 1,057 |
| Memoranda: | ||
| Average total assets | $493,822,000 | 1,350 |
| Average earning assets | $466,164,750 | 1,315 |
| Average equity | $44,651,500 | 1,584 |
| Average total loans | $216,603,500 | 1,889 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5667% | 6,712 |
| Cost of funding earning assets | 1.2929% | 146 |
| Net interest margin | 1.2738% | 6,878 |
| Noninterest income to average assets | 0.0799% | 6,589 |
| Noninterest expense to average assets | 1.0700% | 6,863 |
| Loan and lease loss provision to assets | 0.0115% | 4,644 |
| Net operating income to assets | 0.1243% | 6,075 |
| Return on assets (ROA) | 0.2677% | 5,858 |
| Pretax return on assets | 0.4100% | 5,618 |
| Return on Equity (ROE) | 3.0151% | 5,617 |
| Retained earnings to average equity (ytd only) | 3.0151% | 4,401 |
| Net charge-offs to loans | 0.0380% | 4,148 |
| Credit loss provision to net charge-offs | 70.7317% | 2,805 |
| Earnings coverage of net charge-offs (x) | 12.3902% | 1,981 |
| Efficiency ratio | 84.1942% | 1,612 |
| Assets per employee ($millions) | 23.8692% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0274% | 6,874 |
| Loan loss allowance to noncurrent loans | 0.4703% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 2.3888% | 1,787 |
| Noncurrent loans to loans | 5.8200% | 510 |
| Net loans and leases to total assets | 41.0328% | 5,965 |
| Net loans and leases to deposits | 57.3822% | 5,212 |
| Net loans and leases to core deposits | 63.0383% | 4,998 |
| Total domestic deposits to total assets | 71.5078% | 6,588 |
| Equity capital to assets | 8.2737% | 5,994 |
| Core capital (leverage) ratio | 7.5691% | 6,427 |
| Tier 1 risk-based capital ratio | 22.2088% | 1,251 |
| Total risk-based capital ratio | 22.2418% | 1,472 |
| Memoranda: | ||
| Average total assets | $505,813,330 | 1,319 |
| Average earning assets | $472,907,000 | 1,296 |
| Average equity | $44,907,670 | 1,582 |
| Average total loans | $215,528,670 | 1,898 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5595% | 6,797 |
| Cost of funding earning assets | 1.2905% | 164 |
| Net interest margin | 1.2690% | 6,959 |
| Noninterest income to average assets | 0.0806% | 6,642 |
| Noninterest expense to average assets | 1.0610% | 6,949 |
| Loan and lease loss provision to assets | 0.0193% | 4,226 |
| Net operating income to assets | 0.1548% | 6,026 |
| Return on assets (ROA) | 0.1548% | 6,123 |
| Pretax return on assets | 0.2346% | 6,006 |
| Return on Equity (ROE) | 1.6828% | 6,036 |
| Retained earnings to average equity (ytd only) | 1.6828% | 5,145 |
| Net charge-offs to loans | 0.0390% | 3,482 |
| Credit loss provision to net charge-offs | 114.2857% | 1,652 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,421 |
| Efficiency ratio | 80.6867% | 2,227 |
| Assets per employee ($millions) | 23.2840% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0344% | 6,954 |
| Loan loss allowance to noncurrent loans | 0.6058% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 2.4983% | 1,849 |
| Noncurrent loans to loans | 5.6860% | 616 |
| Net loans and leases to total assets | 43.9234% | 5,672 |
| Net loans and leases to deposits | 57.2573% | 5,110 |
| Net loans and leases to core deposits | 60.3004% | 5,112 |
| Total domestic deposits to total assets | 76.7122% | 6,276 |
| Equity capital to assets | 9.3068% | 5,118 |
| Core capital (leverage) ratio | 8.0305% | 6,112 |
| Tier 1 risk-based capital ratio | 23.1176% | 1,141 |
| Total risk-based capital ratio | 23.1612% | 1,319 |
| Memoranda: | ||
| Average total assets | $496,159,000 | 1,361 |
| Average earning assets | $482,601,000 | 1,285 |
| Average equity | $45,638,000 | 1,571 |
| Average total loans | $215,527,500 | 1,907 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4757% | 6,943 |
| Cost of funding earning assets | 1.4952% | 168 |
| Net interest margin | 0.9805% | 7,030 |
| Noninterest income to average assets | 0.0616% | 6,650 |
| Noninterest expense to average assets | 1.0179% | 7,010 |
| Loan and lease loss provision to assets | 0.0104% | 5,791 |
| Net operating income to assets | -0.0065% | 6,179 |
| Return on assets (ROA) | 0.0444% | 6,236 |
| Pretax return on assets | 0.0657% | 6,204 |
| Return on Equity (ROE) | 0.5341% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.5341% | 5,581 |
| Net charge-offs to loans | 0.0254% | 5,542 |
| Credit loss provision to net charge-offs | 105.6604% | 2,817 |
| Earnings coverage of net charge-offs (x) | 0.1132% | 5,434 |
| Efficiency ratio | 99.8911% | 563 |
| Assets per employee ($millions) | 23.9692% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0328% | 7,003 |
| Loan loss allowance to noncurrent loans | 0.5311% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 2.6560% | 1,819 |
| Noncurrent loans to loans | 6.1833% | 570 |
| Net loans and leases to total assets | 42.9400% | 5,904 |
| Net loans and leases to deposits | 54.7636% | 5,575 |
| Net loans and leases to core deposits | 59.1419% | 5,439 |
| Total domestic deposits to total assets | 78.4098% | 6,014 |
| Equity capital to assets | 9.0928% | 5,411 |
| Core capital (leverage) ratio | 7.7636% | 6,365 |
| Tier 1 risk-based capital ratio | 22.6093% | 1,169 |
| Total risk-based capital ratio | 22.6504% | 1,356 |
| Memoranda: | ||
| Average total assets | $540,527,200 | 1,236 |
| Average earning assets | $527,813,000 | 1,141 |
| Average equity | $44,931,200 | 1,550 |
| Average total loans | $209,000,600 | 1,930 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4715% | 7,057 |
| Cost of funding earning assets | 1.5400% | 169 |
| Net interest margin | 0.9315% | 7,147 |
| Noninterest income to average assets | 0.0628% | 6,759 |
| Noninterest expense to average assets | 0.9971% | 7,119 |
| Loan and lease loss provision to assets | 0.0073% | 5,718 |
| Net operating income to assets | -0.0211% | 6,311 |
| Return on assets (ROA) | -0.0211% | 6,428 |
| Pretax return on assets | -0.0320% | 6,427 |
| Return on Equity (ROE) | -0.2594% | 6,435 |
| Retained earnings to average equity (ytd only) | -0.2594% | 6,132 |
| Net charge-offs to loans | 0.0296% | 5,239 |
| Credit loss provision to net charge-offs | 65.2174% | 4,021 |
| Earnings coverage of net charge-offs (x) | -2.2175% | 5,657 |
| Efficiency ratio | 102.5436% | 461 |
| Assets per employee ($millions) | 28.6472% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0253% | 7,114 |
| Loan loss allowance to noncurrent loans | 0.5662% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 2,940 |
| Noncurrent loans to loans | 4.4690% | 1,058 |
| Net loans and leases to total assets | 39.8434% | 6,296 |
| Net loans and leases to deposits | 49.5619% | 6,143 |
| Net loans and leases to core deposits | 58.8586% | 5,673 |
| Total domestic deposits to total assets | 80.3911% | 5,549 |
| Equity capital to assets | 9.0154% | 5,809 |
| Core capital (leverage) ratio | 7.5181% | 6,614 |
| Tier 1 risk-based capital ratio | 22.0862% | 1,317 |
| Total risk-based capital ratio | 22.1159% | 1,526 |
| Memoranda: | ||
| Average total assets | $549,820,750 | 1,235 |
| Average earning assets | $536,878,750 | 1,143 |
| Average equity | $44,721,750 | 1,578 |
| Average total loans | $207,198,000 | 1,964 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4821% | 7,125 |
| Cost of funding earning assets | 1.5759% | 172 |
| Net interest margin | 0.9062% | 7,212 |
| Noninterest income to average assets | 0.0567% | 6,833 |
| Noninterest expense to average assets | 1.0117% | 7,184 |
| Loan and lease loss provision to assets | 0.0029% | 5,608 |
| Net operating income to assets | -0.0485% | 6,381 |
| Return on assets (ROA) | -0.0485% | 6,499 |
| Pretax return on assets | -0.0734% | 6,499 |
| Return on Equity (ROE) | -0.6163% | 6,514 |
| Retained earnings to average equity (ytd only) | -0.6163% | 6,150 |
| Net charge-offs to loans | 0.0183% | 5,155 |
| Credit loss provision to net charge-offs | 42.1053% | 4,216 |
| Earnings coverage of net charge-offs (x) | -10.4211% | 5,467 |
| Efficiency ratio | 107.4972% | 370 |
| Assets per employee ($millions) | 32.8325% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0280% | 7,181 |
| Loan loss allowance to noncurrent loans | 0.6710% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 1.5220% | 3,421 |
| Noncurrent loans to loans | 4.1662% | 1,316 |
| Net loans and leases to total assets | 36.5215% | 6,583 |
| Net loans and leases to deposits | 51.1948% | 6,087 |
| Net loans and leases to core deposits | 74.3877% | 3,965 |
| Total domestic deposits to total assets | 71.3383% | 6,839 |
| Equity capital to assets | 8.0804% | 6,526 |
| Core capital (leverage) ratio | 6.9372% | 6,836 |
| Tier 1 risk-based capital ratio | 20.5920% | 1,552 |
| Total risk-based capital ratio | 20.6223% | 1,852 |
| Memoranda: | ||
| Average total assets | $561,211,330 | 1,200 |
| Average earning assets | $547,763,330 | 1,115 |
| Average equity | $44,133,000 | 1,585 |
| Average total loans | $207,762,670 | 1,959 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5733% | 7,162 |
| Cost of funding earning assets | 1.5712% | 211 |
| Net interest margin | 1.0021% | 7,270 |
| Noninterest income to average assets | 0.0569% | 6,905 |
| Noninterest expense to average assets | 1.0428% | 7,249 |
| Loan and lease loss provision to assets | 0.0028% | 5,230 |
| Net operating income to assets | -0.0085% | 6,430 |
| Return on assets (ROA) | -0.0085% | 6,540 |
| Pretax return on assets | -0.0114% | 6,542 |
| Return on Equity (ROE) | -0.1100% | 6,543 |
| Retained earnings to average equity (ytd only) | -0.1100% | 6,006 |
| Net charge-offs to loans | 0.0210% | 4,394 |
| Credit loss provision to net charge-offs | 36.3636% | 3,508 |
| Earnings coverage of net charge-offs (x) | -1.0909% | 4,558 |
| Efficiency ratio | 100.8247% | 527 |
| Assets per employee ($millions) | 27.8187% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0294% | 7,238 |
| Loan loss allowance to noncurrent loans | 0.8312% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 1.3191% | 3,914 |
| Noncurrent loans to loans | 3.5313% | 1,760 |
| Net loans and leases to total assets | 37.3433% | 6,538 |
| Net loans and leases to deposits | 60.6765% | 5,073 |
| Net loans and leases to core deposits | 95.4071% | 1,340 |
| Total domestic deposits to total assets | 61.5449% | 7,176 |
| Equity capital to assets | 7.9366% | 6,562 |
| Core capital (leverage) ratio | 6.9822% | 6,843 |
| Tier 1 risk-based capital ratio | 19.8396% | 1,748 |
| Total risk-based capital ratio | 19.8708% | 2,072 |
| Memoranda: | ||
| Average total assets | $562,740,500 | 1,204 |
| Average earning assets | $548,873,000 | 1,107 |
| Average equity | $43,649,000 | 1,597 |
| Average total loans | $209,692,500 | 1,949 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8891% | 7,201 |
| Cost of funding earning assets | 1.6740% | 354 |
| Net interest margin | 1.2151% | 7,308 |
| Noninterest income to average assets | 0.0602% | 6,797 |
| Noninterest expense to average assets | 0.8376% | 7,310 |
| Loan and lease loss provision to assets | 0.0135% | 6,373 |
| Net operating income to assets | 0.2569% | 5,409 |
| Return on assets (ROA) | 0.4641% | 4,771 |
| Pretax return on assets | 0.7098% | 4,291 |
| Return on Equity (ROE) | 6.1335% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.1335% | 1,939 |
| Net charge-offs to loans | 0.0292% | 6,032 |
| Credit loss provision to net charge-offs | 119.3548% | 2,675 |
| Earnings coverage of net charge-offs (x) | 35.7419% | 733 |
| Efficiency ratio | 67.4309% | 4,483 |
| Assets per employee ($millions) | 27.1004% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0321% | 7,289 |
| Loan loss allowance to noncurrent loans | 0.9357% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 4,088 |
| Noncurrent loans to loans | 3.4350% | 1,873 |
| Net loans and leases to total assets | 37.1613% | 6,691 |
| Net loans and leases to deposits | 62.8247% | 5,141 |
| Net loans and leases to core deposits | 99.4788% | 1,220 |
| Total domestic deposits to total assets | 59.1508% | 7,238 |
| Equity capital to assets | 7.5805% | 6,778 |
| Core capital (leverage) ratio | 6.8832% | 6,902 |
| Tier 1 risk-based capital ratio | 19.2598% | 1,830 |
| Total risk-based capital ratio | 19.2935% | 2,152 |
| Memoranda: | ||
| Average total assets | $547,746,400 | 1,203 |
| Average earning assets | $532,788,800 | 1,123 |
| Average equity | $41,444,800 | 1,621 |
| Average total loans | $212,580,200 | 1,935 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0156% | 7,258 |
| Cost of funding earning assets | 1.7083% | 385 |
| Net interest margin | 1.3074% | 7,381 |
| Noninterest income to average assets | 0.0615% | 6,913 |
| Noninterest expense to average assets | 0.8289% | 7,389 |
| Loan and lease loss provision to assets | 0.0135% | 6,265 |
| Net operating income to assets | 0.3184% | 5,329 |
| Return on assets (ROA) | 0.5973% | 4,279 |
| Pretax return on assets | 0.9188% | 3,689 |
| Return on Equity (ROE) | 7.8982% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.8982% | 1,541 |
| Net charge-offs to loans | 0.0282% | 5,758 |
| Credit loss provision to net charge-offs | 122.2222% | 2,649 |
| Earnings coverage of net charge-offs (x) | 45.4878% | 697 |
| Efficiency ratio | 62.2255% | 5,375 |
| Assets per employee ($millions) | 35.3940% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0313% | 7,365 |
| Loan loss allowance to noncurrent loans | 1.0980% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 1.1322% | 4,520 |
| Noncurrent loans to loans | 2.8490% | 2,447 |
| Net loans and leases to total assets | 39.7288% | 6,656 |
| Net loans and leases to deposits | 63.2881% | 5,257 |
| Net loans and leases to core deposits | 100.6643% | 1,190 |
| Total domestic deposits to total assets | 62.7745% | 7,265 |
| Equity capital to assets | 7.9622% | 6,717 |
| Core capital (leverage) ratio | 7.5898% | 6,706 |
| Tier 1 risk-based capital ratio | 21.8454% | 1,320 |
| Total risk-based capital ratio | 21.8826% | 1,505 |
| Memoranda: | ||
| Average total assets | $542,406,000 | 1,221 |
| Average earning assets | $527,152,250 | 1,142 |
| Average equity | $41,020,750 | 1,637 |
| Average total loans | $212,836,250 | 1,949 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3338% | 7,241 |
| Cost of funding earning assets | 1.7379% | 407 |
| Net interest margin | 1.5960% | 7,437 |
| Noninterest income to average assets | 0.0560% | 7,024 |
| Noninterest expense to average assets | 0.9194% | 7,459 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4464% | 4,737 |
| Return on assets (ROA) | 0.4716% | 4,775 |
| Pretax return on assets | 0.7239% | 4,303 |
| Return on Equity (ROE) | 6.3443% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.3443% | 2,217 |
| Net charge-offs to loans | 0.0216% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 81.3478% | 419 |
| Efficiency ratio | 57.3026% | 6,256 |
| Assets per employee ($millions) | 30.5252% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0154% | 7,441 |
| Loan loss allowance to noncurrent loans | 0.6829% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8794% | 5,118 |
| Noncurrent loans to loans | 2.2519% | 3,159 |
| Net loans and leases to total assets | 39.0459% | 6,797 |
| Net loans and leases to deposits | 61.1721% | 5,597 |
| Net loans and leases to core deposits | 95.0044% | 1,797 |
| Total domestic deposits to total assets | 63.8297% | 7,321 |
| Equity capital to assets | 7.5493% | 6,923 |
| Core capital (leverage) ratio | 6.9344% | 7,022 |
| Tier 1 risk-based capital ratio | 25.5729% | 845 |
| Total risk-based capital ratio | 25.5953% | 947 |
| Memoranda: | ||
| Average total assets | $546,238,000 | 1,226 |
| Average earning assets | $529,960,330 | 1,149 |
| Average equity | $40,603,670 | 1,650 |
| Average total loans | $213,451,670 | 1,967 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3700% | 7,284 |
| Cost of funding earning assets | 1.6562% | 662 |
| Net interest margin | 1.7138% | 7,473 |
| Noninterest income to average assets | 0.0507% | 7,133 |
| Noninterest expense to average assets | 0.8982% | 7,520 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5291% | 4,354 |
| Return on assets (ROA) | 0.5787% | 4,217 |
| Pretax return on assets | 0.8901% | 3,539 |
| Return on Equity (ROE) | 7.8475% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.8475% | 1,794 |
| Net charge-offs to loans | 0.0132% | 4,897 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 158.2857% | 200 |
| Efficiency ratio | 52.4668% | 6,825 |
| Assets per employee ($millions) | 29.3337% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0230% | 7,498 |
| Loan loss allowance to noncurrent loans | 1.1853% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 5,449 |
| Noncurrent loans to loans | 1.9432% | 3,646 |
| Net loans and leases to total assets | 38.1618% | 6,896 |
| Net loans and leases to deposits | 60.9604% | 5,624 |
| Net loans and leases to core deposits | 94.6808% | 1,807 |
| Total domestic deposits to total assets | 62.6009% | 7,392 |
| Equity capital to assets | 7.2880% | 6,977 |
| Core capital (leverage) ratio | 6.8750% | 7,056 |
| Tier 1 risk-based capital ratio | 27.8661% | 642 |
| Total risk-based capital ratio | 27.9029% | 719 |
| Memoranda: | ||
| Average total assets | $544,630,500 | 1,236 |
| Average earning assets | $527,949,000 | 1,159 |
| Average equity | $40,165,500 | 1,661 |
| Average total loans | $212,891,500 | 1,988 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6628% | 7,530 |
| Cost of funding earning assets | 1.7135% | 1,536 |
| Net interest margin | 0.9494% | 7,586 |
| Noninterest income to average assets | 0.0117% | 7,242 |
| Noninterest expense to average assets | 0.7724% | 7,597 |
| Loan and lease loss provision to assets | -0.0034% | 7,566 |
| Net operating income to assets | -0.0473% | 5,929 |
| Return on assets (ROA) | -0.0131% | 5,976 |
| Pretax return on assets | 0.2147% | 5,457 |
| Return on Equity (ROE) | -0.1883% | 5,984 |
| Retained earnings to average equity (ytd only) | -0.1883% | 5,643 |
| Net charge-offs to loans | 0.0019% | 6,836 |
| Credit loss provision to net charge-offs | -475.0000% | 7,110 |
| Earnings coverage of net charge-offs (x) | 222.7500% | 111 |
| Efficiency ratio | 83.0318% | 2,049 |
| Assets per employee ($millions) | 27.9958% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0263% | 7,570 |
| Loan loss allowance to noncurrent loans | 1.5682% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,661 |
| Noncurrent loans to loans | 1.6762% | 3,987 |
| Net loans and leases to total assets | 40.0411% | 6,960 |
| Net loans and leases to deposits | 61.1490% | 5,940 |
| Net loans and leases to core deposits | 95.3944% | 2,079 |
| Total domestic deposits to total assets | 65.4812% | 7,403 |
| Equity capital to assets | 7.4658% | 6,898 |
| Core capital (leverage) ratio | 7.0405% | 7,008 |
| Tier 1 risk-based capital ratio | 26.5307% | 704 |
| Total risk-based capital ratio | 26.5716% | 796 |
| Memoranda: | ||
| Average total assets | $564,492,800 | 1,190 |
| Average earning assets | $546,146,000 | 1,111 |
| Average equity | $39,289,000 | 1,684 |
| Average total loans | $207,665,600 | 2,092 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5515% | 7,669 |
| Cost of funding earning assets | 1.7157% | 1,789 |
| Net interest margin | 0.8357% | 7,716 |
| Noninterest income to average assets | 0.0950% | 7,069 |
| Noninterest expense to average assets | 0.7255% | 7,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1035% | 5,771 |
| Return on assets (ROA) | 0.1281% | 5,861 |
| Pretax return on assets | 0.2165% | 5,693 |
| Return on Equity (ROE) | 1.8715% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.8715% | 5,022 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2886% | 2,297 |
| Assets per employee ($millions) | 26.3731% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0391% | 7,680 |
| Loan loss allowance to noncurrent loans | 3.9980% | 7,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 6,468 |
| Noncurrent loans to loans | 0.9790% | 5,276 |
| Net loans and leases to total assets | 38.2498% | 7,172 |
| Net loans and leases to deposits | 59.5250% | 6,350 |
| Net loans and leases to core deposits | 93.7366% | 2,563 |
| Total domestic deposits to total assets | 64.2584% | 7,512 |
| Equity capital to assets | 7.7572% | 6,967 |
| Core capital (leverage) ratio | 6.7624% | 7,267 |
| Tier 1 risk-based capital ratio | 27.1752% | 681 |
| Total risk-based capital ratio | 27.2343% | 762 |
| Memoranda: | ||
| Average total assets | $572,635,750 | 1,186 |
| Average earning assets | $554,072,500 | 1,097 |
| Average equity | $39,183,250 | 1,699 |
| Average total loans | $206,321,250 | 2,130 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6003% | 7,745 |
| Cost of funding earning assets | 1.6934% | 2,149 |
| Net interest margin | 0.9069% | 7,784 |
| Noninterest income to average assets | 0.0616% | 7,275 |
| Noninterest expense to average assets | 0.6929% | 7,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1427% | 5,742 |
| Return on assets (ROA) | 0.1787% | 5,760 |
| Pretax return on assets | 0.3022% | 5,493 |
| Return on Equity (ROE) | 2.7198% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.7198% | 4,399 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7949% | 3,510 |
| Assets per employee ($millions) | 27.9379% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0374% | 7,753 |
| Loan loss allowance to noncurrent loans | 3.6830% | 7,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 6,476 |
| Noncurrent loans to loans | 1.0157% | 5,279 |
| Net loans and leases to total assets | 37.7796% | 7,277 |
| Net loans and leases to deposits | 59.6583% | 6,446 |
| Net loans and leases to core deposits | 93.3863% | 2,807 |
| Total domestic deposits to total assets | 63.3266% | 7,602 |
| Equity capital to assets | 7.1514% | 7,291 |
| Core capital (leverage) ratio | 6.2109% | 7,446 |
| Tier 1 risk-based capital ratio | 25.6388% | 799 |
| Total risk-based capital ratio | 25.6947% | 881 |
| Memoranda: | ||
| Average total assets | $587,694,000 | 1,155 |
| Average earning assets | $568,556,330 | 1,076 |
| Average equity | $38,605,670 | 1,724 |
| Average total loans | $207,817,670 | 2,146 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5602% | 7,848 |
| Cost of funding earning assets | 1.7050% | 2,365 |
| Net interest margin | 0.8552% | 7,887 |
| Noninterest income to average assets | 0.0120% | 7,617 |
| Noninterest expense to average assets | 0.8244% | 7,890 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0080% | 6,267 |
| Return on assets (ROA) | 0.0093% | 6,375 |
| Pretax return on assets | 0.0159% | 6,321 |
| Return on Equity (ROE) | 0.1476% | 6,364 |
| Retained earnings to average equity (ytd only) | 0.1476% | 5,764 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3360% | 908 |
| Assets per employee ($millions) | 28.8433% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0372% | 7,852 |
| Loan loss allowance to noncurrent loans | 3.9735% | 7,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 6,668 |
| Noncurrent loans to loans | 0.9358% | 5,448 |
| Net loans and leases to total assets | 34.6187% | 7,473 |
| Net loans and leases to deposits | 58.1086% | 6,617 |
| Net loans and leases to core deposits | 93.7556% | 2,869 |
| Total domestic deposits to total assets | 59.5759% | 7,763 |
| Equity capital to assets | 6.3816% | 7,554 |
| Core capital (leverage) ratio | 5.9229% | 7,590 |
| Tier 1 risk-based capital ratio | 23.3796% | 1,024 |
| Total risk-based capital ratio | 23.4308% | 1,157 |
| Memoranda: | ||
| Average total assets | $602,162,500 | 1,147 |
| Average earning assets | $581,819,000 | 1,073 |
| Average equity | $37,929,000 | 1,777 |
| Average total loans | $206,139,000 | 2,218 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4082% | 7,909 |
| Cost of funding earning assets | 1.8185% | 3,890 |
| Net interest margin | 0.5896% | 7,962 |
| Noninterest income to average assets | 0.0125% | 7,650 |
| Noninterest expense to average assets | 0.8526% | 7,958 |
| Loan and lease loss provision to assets | 0.0055% | 7,403 |
| Net operating income to assets | -0.1642% | 5,785 |
| Return on assets (ROA) | -0.0138% | 5,561 |
| Pretax return on assets | -0.0407% | 5,509 |
| Return on Equity (ROE) | -0.2325% | 5,576 |
| Retained earnings to average equity (ytd only) | -0.2325% | 4,998 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.3755% | 342 |
| Assets per employee ($millions) | 28.5055% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0385% | 7,929 |
| Loan loss allowance to noncurrent loans | 3.9137% | 7,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 6,610 |
| Noncurrent loans to loans | 0.9841% | 5,349 |
| Net loans and leases to total assets | 33.8169% | 7,597 |
| Net loans and leases to deposits | 59.2823% | 6,683 |
| Net loans and leases to core deposits | 70.3176% | 6,749 |
| Total domestic deposits to total assets | 57.0438% | 7,843 |
| Equity capital to assets | 6.2150% | 7,627 |
| Core capital (leverage) ratio | 6.1981% | 7,587 |
| Tier 1 risk-based capital ratio | 23.1196% | 1,033 |
| Total risk-based capital ratio | 23.1709% | 1,141 |
| Memoranda: | ||
| Average total assets | $577,889,400 | 1,200 |
| Average earning assets | $558,639,800 | 1,129 |
| Average equity | $34,405,200 | 1,955 |
| Average total loans | $205,130,400 | 2,255 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4178% | 8,014 |
| Cost of funding earning assets | 1.8532% | 4,133 |
| Net interest margin | 0.5646% | 8,051 |
| Noninterest income to average assets | 0.0142% | 7,790 |
| Noninterest expense to average assets | 0.8074% | 8,054 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1616% | 6,002 |
| Return on assets (ROA) | 0.0407% | 5,663 |
| Pretax return on assets | 0.0689% | 5,586 |
| Return on Equity (ROE) | 0.6923% | 5,579 |
| Retained earnings to average equity (ytd only) | 0.6923% | 4,899 |
| Net charge-offs to loans | 0.0045% | 6,915 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -151.7642% | 6,978 |
| Efficiency ratio | 144.1397% | 347 |
| Assets per employee ($millions) | 25.8314% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0192% | 8,019 |
| Loan loss allowance to noncurrent loans | 3.1477% | 7,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 6,945 |
| Noncurrent loans to loans | 0.6090% | 6,088 |
| Net loans and leases to total assets | 37.4984% | 7,570 |
| Net loans and leases to deposits | 65.3245% | 6,368 |
| Net loans and leases to core deposits | 76.3056% | 6,590 |
| Total domestic deposits to total assets | 57.4033% | 7,913 |
| Equity capital to assets | 6.7507% | 7,689 |
| Core capital (leverage) ratio | 6.2595% | 7,745 |
| Tier 1 risk-based capital ratio | 24.9302% | 907 |
| Total risk-based capital ratio | 24.9584% | 1,007 |
| Memoranda: | ||
| Average total assets | $572,708,000 | 1,224 |
| Average earning assets | $553,764,250 | 1,149 |
| Average equity | $33,705,500 | 2,010 |
| Average total loans | $205,785,250 | 2,268 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5076% | 8,103 |
| Cost of funding earning assets | 1.7862% | 4,829 |
| Net interest margin | 0.7215% | 8,127 |
| Noninterest income to average assets | 0.0178% | 7,877 |
| Noninterest expense to average assets | 0.7437% | 8,151 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0392% | 5,908 |
| Return on assets (ROA) | 0.2591% | 5,151 |
| Pretax return on assets | 0.4379% | 4,833 |
| Return on Equity (ROE) | 4.6129% | 4,250 |
| Retained earnings to average equity (ytd only) | 4.6129% | 2,727 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9329% | 1,035 |
| Assets per employee ($millions) | 31.5615% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0223% | 8,112 |
| Loan loss allowance to noncurrent loans | 7.5534% | 7,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,283 |
| Noncurrent loans to loans | 0.2949% | 6,777 |
| Net loans and leases to total assets | 38.4745% | 7,625 |
| Net loans and leases to deposits | 78.6690% | 4,753 |
| Net loans and leases to core deposits | 83.5382% | 6,120 |
| Total domestic deposits to total assets | 48.9068% | 8,068 |
| Equity capital to assets | 6.8347% | 7,693 |
| Core capital (leverage) ratio | 6.4365% | 7,824 |
| Tier 1 risk-based capital ratio | 26.2243% | 838 |
| Total risk-based capital ratio | 26.2585% | 921 |
| Memoranda: | ||
| Average total assets | $582,790,670 | 1,220 |
| Average earning assets | $563,558,000 | 1,152 |
| Average equity | $32,734,000 | 2,074 |
| Average total loans | $206,562,670 | 2,272 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7221% | 8,156 |
| Cost of funding earning assets | 2.4574% | 2,080 |
| Net interest margin | 0.2647% | 8,214 |
| Noninterest income to average assets | 0.0205% | 7,973 |
| Noninterest expense to average assets | 0.0918% | 8,241 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0834% | 6,026 |
| Return on assets (ROA) | 0.4172% | 4,966 |
| Pretax return on assets | 0.7057% | 4,421 |
| Return on Equity (ROE) | 8.2170% | 3,050 |
| Retained earnings to average equity (ytd only) | 8.2170% | 1,736 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2536% | 8,128 |
| Assets per employee ($millions) | 34.7622% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0223% | 8,164 |
| Loan loss allowance to noncurrent loans | 18.6992% | 7,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 7,483 |
| Noncurrent loans to loans | 0.1194% | 7,179 |
| Net loans and leases to total assets | 34.8474% | 7,772 |
| Net loans and leases to deposits | 78.7173% | 4,811 |
| Net loans and leases to core deposits | 83.3130% | 6,119 |
| Total domestic deposits to total assets | 44.2690% | 8,128 |
| Equity capital to assets | 5.5767% | 8,063 |
| Core capital (leverage) ratio | 5.6048% | 8,069 |
| Tier 1 risk-based capital ratio | 22.3169% | 1,265 |
| Total risk-based capital ratio | 22.3462% | 1,406 |
| Memoranda: | ||
| Average total assets | $605,913,500 | 1,180 |
| Average earning assets | $584,849,500 | 1,116 |
| Average equity | $30,765,500 | 2,204 |
| Average total loans | $206,604,500 | 2,302 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 8,061 |
| Cost of funding earning assets | 3.5801% | 417 |
| Net interest margin | 0.7470% | 8,248 |
| Noninterest income to average assets | 0.0399% | 7,934 |
| Noninterest expense to average assets | 1.0134% | 8,201 |
| Loan and lease loss provision to assets | 0.0055% | 7,291 |
| Net operating income to assets | -0.1209% | 6,524 |
| Return on assets (ROA) | -0.5007% | 6,805 |
| Pretax return on assets | -0.8472% | 6,911 |
| Return on Equity (ROE) | -8.4489% | 7,154 |
| Retained earnings to average equity (ytd only) | -8.4489% | 6,919 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4415% | 445 |
| Assets per employee ($millions) | 34.4928% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0227% | 8,221 |
| Loan loss allowance to noncurrent loans | 11.8090% | 7,480 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 7,309 |
| Noncurrent loans to loans | 0.1921% | 6,815 |
| Net loans and leases to total assets | 33.3698% | 7,909 |
| Net loans and leases to deposits | 82.4944% | 4,650 |
| Net loans and leases to core deposits | 85.6337% | 6,160 |
| Total domestic deposits to total assets | 40.4510% | 8,186 |
| Equity capital to assets | 4.6024% | 8,223 |
| Core capital (leverage) ratio | 5.3923% | 8,176 |
| Tier 1 risk-based capital ratio | 20.7321% | 1,498 |
| Total risk-based capital ratio | 20.7605% | 1,660 |
| Memoranda: | ||
| Average total assets | $586,169,800 | 1,145 |
| Average earning assets | $569,038,600 | 1,086 |
| Average equity | $34,738,400 | 1,953 |
| Average total loans | $204,770,200 | 2,253 |